Social security loan application conditions:

Because paying social security is mandatory, employees will basically pay a certain fee according to the regulations. This does not mean that office workers who have paid social security can apply for social security loans. Like other credit personal loan products, social security loans are unsecured and unsecured, but they can only be applied if certain conditions are met.

Generally speaking, the application conditions for social security loans are:

1. Borrower 18-60 years old;

2. The borrower has a good credit record;

3. The borrower has a stable job, income and corresponding repayment ability;

4. Meet the relevant requirements of lending institutions for social security, usually the payment period and payment base, such as continuous payment for more than 6 months, and the payment base is more than 3,000 yuan;

5. Other conditions stipulated by the lending institution.

How to apply for social security loan;

Borrowers who meet the requirements for social security loans can prepare relevant materials and apply for loans from lending institutions. The specific loan steps are as follows:

1. Go to the lending institution to consult the social security loan;

2. According to the requirements of lending institutions, prepare social security loan application materials, usually identity certificates, residence certificates, work certificates, income certificates and social security certificates;

3. Fill in the loan application form, submit application materials and submit a written application for social security loan;

4 lending institutions in accordance with the relevant provisions of strict examination and approval;

5. The lending institution signs a loan contract with the borrower;

6. Lending institutions issue loans;

7. The borrower repays the loan according to the contract.

Second, how about the loan? Is it easy to pass?

Applicants for club flowers must be between 25 and 50 years old and have a high school education or above. The higher the education, the higher the loan amount may be. When borrowing money, the approval will be rejected, and Guizhou, Xinjiang, Gansu, Tibet, Inner Mongolia, Shaanxi, Ningxia and other regions will not support the application temporarily. The approval result will be known soon after the application meeting, which meets the loan conditions and can be released as soon as 1 minute. Baixin bank, whose full name is "CITIC baixin bank Co., Ltd.", was shot by Baidu and CITIC, and can provide credit services for users. Haohui Huawei has 100 products, with a maximum loan of 200,000 yuan and a minimum daily interest rate of 0.02%. The specific loan interest rate is given by the system after comprehensive evaluation according to the personal situation of the loan applicant. The loan can be repaid in 12 installments at the longest, but it can be repaid with the loan, with daily interest and pre-loan fees, and the loan process is relatively simple.

Loan classification:

1. Normal loan

A normal loan refers to a loan in which the borrower can perform the contract but cannot repay the loan on time. Main features:

1 Good operating efficiency, reasonable main financial indicators and cash flow structure;

2) The borrower has a strong willingness to repay, pays the principal and interest normally in banks and other banks, and has a good credit record;

3) Ensure complete and normal financial status, as well as collateral/pledge.

2. Pay attention to loans

Paying attention to loans means that although borrowers are currently able to repay debts, sustainable development may affect the repayment of debts. Five main characteristics of loans:

1) Although the principal and interest have not been repaid in time, the borrower is suspected of maliciously evading bank debts;

2) Borrowing the new and returning the old;

3) The borrower fails to use the funds according to the agreed purpose;

4) The borrower defaults on interest, principal, installment repayment and prepayment;

3. Subprime loans

There are obvious problems, and it is impossible to repay the debt principal and interest in full. The loss of loan principal and interest is generally not expected to exceed 60%. Main features:

1) The borrower owes interest, principal, installment repayment and prepayment for 9 1 day to 1 year (inclusive).

2) The borrower maliciously evades the waste.

4. Suspicious loans

Suspicious loan refers to the loss and loss of principal and interest caused by the borrower's failure to repay the debt in full:

1) default on interest, principal, installment repayment and advances for more than one year;

2) The borrower is seriously short of funds;

3) The loan will suffer heavy losses, but the amount of the loss cannot be determined due to the disposal of the mortgage (pledge) of the borrower, pending litigation or unfinished execution.

5. Loss loans

Loss loan refers to the recovery of all possible measures or necessary legal procedures, or only a small part, as well as this part of principal and interest. Main features:

1) The borrower and guarantor have been declared bankrupt according to law;

2) The borrower as a legal person is revoked, closed, dissolved or terminated;

3) Loans that cannot be recovered by the bank after the borrower and guarantor are ruled to have no property to execute.

In fact, banks usually judge borrowers' personal money through credit reports, and the consequences can be imagined.

Third, Hainan species.

Individuals and businesses. 1. There are three types of personal housing loans, one is commercial personal housing loans, the other is provident fund personal housing loans, and the other is combined personal housing loans. 2. Corporate mortgage loans, aimed at all kinds of small and medium-sized enterprise customers in industrial and commercial registration, are operating well. 3. Pawnshop mortgage refers to the act of mortgaging real estate to a pawnshop, paying a certain percentage of fees and interest, and paying the interest and fees of the pawnshop within the agreed time limit, repaying the pawnshop and redeeming the pawnshop. 4. Vehicle mortgage is to obtain loans from financial institutions or auto loan companies with the borrower's or a third person's car or self-purchased car as collateral.

Four, which varieties can be used as collateral for bank loans, and what is the loan interest?

According to the general rules of loans, all the above items can be done, but except for time deposits, others are basically not handled. The current interest rate is: